For a 40-year-old driver with a clean record, Bloomington car insurance averages about $231 a month ($2,775 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% above the Minnesota average of $223 a month. Travelers has the lowest full-coverage average of the six major insurers we compared (Allstate, American Family, Auto-Owners, GEICO, State Farm and Travelers), at about $147 a month.
Bloomington costs a little less than Minneapolis for our benchmark driver: about $22 a month less than the ZIP codes with a Minneapolis mailing address, and about $8 a month more than the Minnesota average.
The five ZIP codes that serve Bloomington run from about $219 a month in 55438, on the west side, to $243 in 55420, on the east side near the airport.
Cost data comes from the auto rates insurers file with state regulators, priced across the five ZIP codes that serve Bloomington, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Bloomington averages $2,775 a year, or about $231 a month, for our benchmark driver. Liability-only coverage at Minnesota’s 30/60/10 minimum averages $841 a year ($70 a month), and 50/100/50 liability with comprehensive and collision averages $2,718 ($227 a month).
Travelers has the lowest full-coverage average among the six insurers in our Bloomington rate data. The published 2026 statewide Minnesota rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the six we checked put it first, apart from USAA, which sells only to military families. For liability-only coverage at 30/60/10 limits, Auto-Owners has the lowest average among the six major insurers we compared, at about $54 a month, with Travelers close behind at $57.
Full-coverage averages by insurer in Bloomington
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $679 | $57 | $1,763 | $147 |
| State Farm | $741 | $62 | $1,979 | $165 |
| Auto-Owners | $645 | $54 | $2,051 | $171 |
| GEICO | $960 | $80 | $3,020 | $252 |
| American Family | $788 | $66 | $3,853 | $321 |
| Allstate | $1,233 | $103 | $3,987 | $332 |
| USAA (military families)* | $604 | $50 | $2,145 | $179 |
| Nationwide* | $1,406 | $117 | $2,830 | $236 |
| North Star Mutual* | $680 | $57 | $3,459 | $288 |
| Bloomington average | $841 | $70 | $2,775 | $231 |
This table uses Bloomington ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the five Bloomington ZIP codes we price, full coverage for our driver ranges from about $219 a month in 55438 to $243 in 55420, a gap of $297 a year. West Bloomington’s 55437 and 55438 are the least expensive in our data, and east Bloomington’s 55420 and 55425 the most expensive.
Lowest-priced Bloomington ZIP codes
Highest-priced Bloomington ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Bloomington’s average.
| ZIP Code: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 55420 | $870 | $73 | $2,919 | $243 | +5% |
| 55425 | $872 | $73 | $2,907 | $242 | +5% |
| 55431 | $846 | $71 | $2,754 | $230 | About average |
| 55437 | $818 | $68 | $2,676 | $223 | -3% |
| 55438 | $799 | $67 | $2,622 | $219 | -5% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $57 a year on average in our Bloomington data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Bloomington ZIP codes, their full-coverage average fell from $2,932 a year nine months earlier to $2,727 in rates as of Aug. 31, 2026, a 7.0% drop. American Family cut its Bloomington average 19.9% and Auto-Owners 2.9%, while Allstate’s, State Farm’s and Travelers’ averages were about unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Bloomington average above. Liability-only coverage at 30/60/10 limits fell 6.9%, led by American Family, which cut its liability-only average 25.8%.
Hennepin County averages about $243 a month for full coverage, the second-most expensive of the 64 Minnesota counties we price.
Eden Prairie, to the west, averages about $211 a month, and Burnsville, across the Minnesota River, $229. Where you live is one of the factors Minnesota insurers use, so neighboring cities can be priced differently.
More Minnesota cities and towns are in the Minnesota rates by city table, and you can compare states on our car insurance rates by state page.
Minneapolis averages $253 a month across its mailing-address ZIP codes, and Lakeville, about 11 miles south, $211. Plymouth averages $228.
Drivers in Bloomington follow Minnesota’s rules. Every policy must include at least:
Our Minnesota requirements guide covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Minnesota law and the Minnesota Department of Commerce. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Bloomington averages about $231 a month ($2,775 a year) and liability-only coverage about $70 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% above the Minnesota average of $223 a month.
Travelers has the lowest full-coverage average in our Bloomington rate data, at about $147 a month, followed by State Farm at $165. For liability-only coverage, Auto-Owners has the lowest average, at about $54 a month. Five of the six published 2026 statewide Minnesota rate studies we reviewed also rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Bloomington, for our benchmark driver. The ZIP codes that serve Bloomington average about $231 a month for full coverage, and ZIP codes with a Minneapolis mailing address about $253.
In our data, 55438 has the lowest full-coverage average in Bloomington, at about $219 a month, and 55420 the highest, at about $243. The ZIP code table on this page lists all five.
In our Bloomington data, full coverage (100/300/100 with $500 deductibles) averages about $231 a month and liability-only coverage at 30/60/10 limits about $70, a difference of about $161 a month ($1,934 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Minnesota law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), their Bloomington full-coverage average fell 7.0%, from about $2,932 to $2,727 a year. That’s lower than the Bloomington average of $2,775 because it leaves out GEICO. American Family cut its Bloomington average 19.9% and Auto-Owners 2.9%. Liability-only coverage at 30/60/10 limits fell 6.9%.
For our benchmark driver, full coverage in Bloomington averages about $231 a month. Nearby, Minneapolis averages about $253, St. Paul about $244 and Lakeville about $211. Lakeville is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
